Debt Collection Dispute — Etsy holding funds for 45 days

Has anyone dealt with something like this? I'm not sure what my options are.

Etsy holding funds for 45 days. I've been dealing with this for about 6 months now and the situation isn't improving.

The amount being held/disputed is approximately $12,303. I have tried contacting customer support 5 times with no resolution.

Has anyone been through something similar? What worked for you?

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

I've handled similar cases. Here's my take on the legal issues.

This is a common situation and the law is fairly clear. Under the EFTA, timely disputed.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

I've seen this play out several times in my field.

In my case, it took about 3-6 months to resolve. The key was having everything documented.